Public liability insurance covers third-party property damage and bodily injury caused by your business activities. It provides protection when you are working away from your own premises, such as at client homes, public spaces, or events.
For example, if you are a roofer and a tile falls off a roof onto a car, or if a cleaner accidentally knocks over a client’s TV or vase, public liability insurance can cover the resulting claim. This type of cover is not limited to tradespeople, hairdressers visiting clients at home, dog walkers, photographers, caterers, market traders and many other business owners can benefit from it.
Public liability insurance ensures your business is protected against claims for third-party injury or property damage while you are working off-site. It gives you peace of mind knowing that, if an accident happens, your business is insured and you can focus on your role without worry.
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